Roof Replacement in Mattoon IL 61938

Locally Owned & Operated

HOME PROS ROOFING

Looking for the right Roofing company for your home or property? Since 1980 we have been providing Roofing services to the Mattoon area.

(844) 359-2189

(Mattoon IL 61938) –

When it comes to replacing your roof, you must decide whether to pay for it out-of-pocket, or to go through your home owners’ insurance carrier. Since roof replacement is a major part of why many people have homeowners’ insurance policies, filing a claim is the most common route. However, if you do choose to file a homeowners’ insurance claim for roof replacement, be aware that there are Factors That Influence Your Roof Repair Estimate Mattoon IL 61938 several factors involved in the claim process. For this reason, it is important to do your research in order to understand what to expect when preparing for a roof replacement insurance claim. Continue reading to review some of the most frequently asked questions regarding roof replacement and insurance claims.

My Check is Less Than The Cost to Replace My Roof. Why?

An insurance adjuster reveals his estimate for the Mattoon IL 61938 cost of your roof, but then makes two major deductions: your deductible and depreciation/betterment. Continue below to learn the meanings behind them.

What Do All These Insurance Terms Mean? Betterment, Depreciation, RCV, ACV?

Depreciation is the loss of value in an asset, as a result of age, wear, and tear. In contrast, betterment is a term that refers to an improvement that adds to the value of a property Factors That Influence Your Roof Repair Estimate Mattoon IL 61938 or facility. The current retail cost to replace the total amount of damaged or defective roofing materials is called the replacement cost value, or RCV. The actual cost value is abbreviated as ACV, and represents the actual cash value of a roofing system. The ACV takes into account general depreciation. For instance, if a roof that is meant to last 50 years becomes totaled from hail after Mattoon IL 61938 only 25, if the RVC is $30,000, the ACV is only $15,000. This depreciation is usually paid once a final invoice is submitted.

The Adjuster’s Estimate Does Not Seem Accurate. Is it a Final Estimate or Can I Dispute it?

A final estimate from an adjuster is not necessarily set in stone. If an estimate from your roofing company is different from your adjusters, there is no need to Mattoon IL 61938 worry. It is important that your roofing contractor and your insurance adjuster communicate on several areas of concern, in order to reconcile some of the discrepancies in the final estimate. If you are compelled to dispute certain depreciations, you would need to file a claim within the company, work your way up through the chain of command, and present your evidence as to why the depreciation estimates Mattoon IL 61938 are inaccurate or unreasonable. It helps to have your roofing contractor assist you with these types of claims because they can provide professional documentation of what they think is a fair resolution.

In Total, How Much Will it Cost Me to Replace My Roof?

With homeowners’ insurance, you will only be paying the deductible and any upgrades you choose. You might have to pay for the entire roof replacement Mattoon IL 61938 upfront, and then get reimbursed for it through a check sent by your insurance carrier. Some insurance companies operate this way to avoid fraud.

I Found a Roofing Company That Says They Will “Cover My Deductible.” Is This Legitimate?

No one should pay your deductible except for you. If a roofing company advertises that they will “cover your deductible”, it is an unethical and improper way of doing business. Mattoon IL 61938 A reputable roofing company will never advertise this. Furthermore, a sign allowance can be a disguise for a “cover your deductible” scam. If they offer a referral fee, in order for it to be legitimate and ethical, the fee must be the same whether a roof is purchased or not. Also, it must be reported as taxable income.

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Business Results 1 - 10 of 3

Legacy Roofing & Restoration
0 Reviews
Roofing, Windows Installation, Siding
Phone:
516 Dewitt Ave E, Mattoon, IL 61938

Ebinger Construction
0 Reviews
Contractors, Roofing, Damage Restoration
Phone:
Charleston, IL 61920

Cyde Enterprises
0 Reviews
Contractors
Phone:
1901 S Spresser St, Taylorville, IL 62568

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For quality workmanship and service for your residential and commercial Roofing needs, choose a company with over 38 years of service in the Mattoon area.

Highly Rated

Integrity, quality workmanship and attention to detail have made us one of the most reliable Roofing companies in Mattoon.

Quality Service

We focus on making the process as least disruptive as possible to our clients

Affordable Prices

We work hard to keep our costs low and transfer these efficiency savings on to our customers

100% Illinois Licensed Experts

We can complete any size project  in a timely manner, without skipping any steps  or cutting any corners.

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(844) 359-2189